Company profile
ZHM Seguros S.A. Agencia Asesora Productora de Seguros
RUC 0991251243001 · Guayaquil, Guayas
Registry data
- RUC
- 0991251243001
- Legal name
- ZHM SEGUROS S.A. AGENCIA ASESORA PRODUCTORA DE SEGUROS
- Trade name
- ZHM SEGUROS
- Company type
- Stock corporation (S.A.)
- Size segment (SCVS)
- Medium · 2025
- Incorporation date
- December 31, 1992
- Start of activities (SRI)
- December 31, 1992
- Subscribed capital
- $100,002
- Economic activity
- Activities of insurance agents and brokers (insurance intermediaries) selling, negotiating or offering annuity contracts and insurance and reinsurance policies
- ISIC code
- K6622.00
- Last year with filed statements
- 2025
- Address
- Miguel H. Alcivar 506, Victor Hugo Sicouret
- Location
- Guayaquil, Guayas
- Region
- Costa
- Phone
- 042687008
Financial statements
- Current ratio
- 0.93
- Debt ratio
- 63.2%
- Net margin
- 6.1%
- Return on equity (ROE)
- 37.8%
- Revenue vs 2024
- +8.7%
The income statement · 2025
- Revenue $4,720,341
- Cost of sales $72,608
- Expenses $4,188,237
- Net result $290,101
Balance sheet structure · 2025
What it owns
- Current assets $899,675 43%
- Non-current assets $1,185,687 57%
How it is financed
- Current liabilities $965,304 46%
- Non-current liabilities $353,516 17%
- Equity $766,542 37%
“Current” means within one year: what can be turned into cash, or what has to be paid, in that span.
| Year | Revenue | Net result | Assets | Equity | Employees |
|---|---|---|---|---|---|
| 2025 | $4,720,341 | $290,101 | $2,085,362 | $766,542 | 54 |
| 2024 | $4,343,559 | $309,065 | $1,882,845 | $727,113 | 63 |
| 2023 | $4,370,886 | $323,932 | $1,961,512 | $736,586 | 59 |
| 2022 | $4,189,423 | $326,600 | $1,937,179 | $683,219 | 57 |
| 2021 | $3,676,068 | $171,015 | $1,599,546 | $541,725 | 55 |
| 2020 | $3,460,870 | $99,143 | $1,390,377 | $482,871 | 38 |
| 2019 | $3,723,898 | $140,209 | $1,456,825 | $514,509 | 49 |
| 2018 | $3,580,281 | $43,429 | $883,724 | $229,054 | 50 |
| 2017 | $3,353,226 | $2,157 | $930,510 | $276,035 | 52 |
| 2016 | $3,814,720 | $135,280 | $1,038,513 | $321,428 | 52 |
| 2015 | $3,575,101 | $18,238 | $898,690 | $203,369 | 54 |
In 2025 it recorded revenue of $4,720,341 and a net result of $290,101, a margin of 6.1%.
Its 2025 revenue exceeds that of 95.3% of the 95,463 companies in the country that recorded sales that year. In Guayas, it exceeds 94.7% of the 34,598 on record.
Within its activity (ISIC code K6622.00, 620 companies with sales), its revenue exceeds that of 97.9%; the trade’s typical margin was 4.1%.
Values in US dollars, as filed with the Superintendencia de Compañías, Ecuador’s corporate regulator.
Tax status (SRI)
updated September 6, 2026- Phantom taxpayer: No
- Nonexistent transactions: No
- Tax regime
- General regime The set of rules under which it files its taxes
- Required to keep accounting books
- Yes
- Withholding agent
- Yes When paying third parties, it withholds taxes and remits them to the SRI
- Special taxpayer
- No Designated by the SRI for its size, with additional filing obligations
- Start of activities
- December 31, 1992
Establishments · 3 registered, 3 open
- HEAD OFFICE Guayas / Guayaquil / Tarqui / Av. Miguel Hilario Alcivar 506 y Victor Hugo Sicouret Open
- Pichincha / Quito / Iñaquito / Av. 6 de Diciembre N31-110 y Whimper Open
- Azuay / Cuenca / Machangara / Estocolmo S/N y Avenida Roma Open
Tax status according to the public records of the SRI (Servicio de Rentas Internas, the national tax authority). The risk designations are the SRI’s, not a rating by this site: phantom taxpayer means the SRI considers the company to have no real activity at its declared address, and nonexistent transactions means it invoiced operations the SRI determined never took place.
Where it operates
It has 3 open establishments across 3 provinces.
Azuay: 1 companiesBolívar: no dataCarchi: no dataCañar: no dataChimborazo: no dataCotopaxi: no dataEl Oro: no dataEsmeraldas: no dataGalápagos: no dataGuayas: 1 companiesImbabura: no dataLoja: no dataLos Ríos: no dataManabí: no dataMorona Santiago: no dataNapo: no dataOrellana: no dataPastaza: no dataPichincha: 1 companiesSanta Elena: no dataSanto Domingo de los Tsáchilas: no dataSucumbíos: no dataTungurahua: no dataZamora Chinchipe: no data Point at or tap a province to see its figure
1
Provinces with a presence
- Guayas head office 1 location
- Pichincha 1 location
- Azuay 1 location
Establishments declared to the SRI (Servicio de Rentas Internas, the national tax authority), updated September 6, 2026. The location is the province and canton on record, not each site’s exact address.
Activity classification (ISIC)
- Financial and insurance activities
- Activities auxiliary to financial service and insurance activities
- Activities auxiliary to insurance and pension funding
- Activities of insurance agents and brokers
- Activities of insurance agents and brokers (insurance intermediaries) selling, negotiating or offering annuity contracts and insurance and reinsurance policies
Frequently asked questions
What is the RUC of ZHM Seguros S.A. Agencia Asesora Productora de Seguros?
The RUC (taxpayer registration number) of ZHM SEGUROS S.A. AGENCIA ASESORA PRODUCTORA DE SEGUROS is 0991251243001, according to Ecuador’s public corporate registry.
Is ZHM Seguros S.A. Agencia Asesora Productora de Seguros active?
Yes. Its legal status in the registry is Activa.
What trade name does ZHM Seguros S.A. Agencia Asesora Productora de Seguros use?
It operates under the trade name ZHM SEGUROS, according to the SRI’s RUC registry.
What does ZHM Seguros S.A. Agencia Asesora Productora de Seguros do?
Its registered economic activity (ISIC K6622.00) is: Activities of insurance agents and brokers (insurance intermediaries) selling, negotiating or offering annuity contracts and insurance and reinsurance policies
Where is ZHM Seguros S.A. Agencia Asesora Productora de Seguros located?
Its registered address is in Guayaquil, province of Guayas, Ecuador.
When was ZHM Seguros S.A. Agencia Asesora Productora de Seguros incorporated?
It was incorporated on December 31, 1992, as a stock corporation (s.a.).
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Corporate information from official public records of Ecuador · where this data comes from